Consumer Education Services, Inc. (CESI), (d/b/a Affordable Bankruptcy Courses) is a provider of both the Pre-Bankruptcy Credit Counseling and the Post-Bankruptcy Personal Finance Debtor Education Course, each service approved and delivered in accordance with the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. These interactive courses fulfill your BAPCPA Credit Counseling and Debtor Education Course requirements. Only upon completion of this briefing will Consumer Education Services, Inc. (CESI), d/b/a Affordable Bankruptcy Courses issue you the required bankruptcy certificate. It is your responsibility to ensure that your attorney has received your certificate by the date required for your filing.

Consumer Education Services, Inc.’s (CESI), d/b/a Affordable Bankruptcy Courses Pre-Bankruptcy Credit Counseling is offered to provide a review of your budget and options, one of which may be bankruptcy. Consumer Education Services, Inc.’s (CESI), d/b/a Affordable Bankruptcy Courses, does not offer legal advice or opinions on the suitability or availability of bankruptcy as an option for you. While we may describe or define bankruptcy terms in general, at no time will we make any determination about the applicability of such terms or scenarios to your specific circumstances.

Federal law requires that Consumer Education Services, Inc. (CESI), d/b/a Affordable Bankruptcy Courses, make the following disclosures to you.

Disclosures for Pre-filing Credit Counseling

*Consumer Education Services, Inc. (CESI), d/b/a Affordable Bankruptcy Courses, has been approved by the Executive Office for United States Trustees (EOUST) to issue certificates in compliance with the Bankruptcy code for Pre-Filing Credit Counseling. EOUST has reviewed only those counseling and education services related to bankruptcy, but has not reviewed or approved any other counseling services provided by Consumer Education Services, Inc. (CESI).

Federal law requires that Consumer Education Services, Inc. (CESI), d/b/a Affordable Bankruptcy Courses, may disclose your information to EOUST, but we will not release your information to any other person or entity without your prior approval.

Consumer Education Services, Inc. (CESI) is funded by fees charged for pre-bankruptcy credit counseling briefings and pre-discharge debtor education courses. We are also funded by client fees and creditor contributions from non-bankruptcy-related debt management plans, and through grants related to our housing counseling or other charitable and educational efforts in the community.

All counselors who are assisting and facilitating course content are employees of Consumer Education Services, Inc. (CESI). Counselors are required to obtain certification through the Center for Financial Certifications (CFC, a division of the Institute for Financial Literacy) within 6 months of employment.

Although a counselor may answer general questions about bankruptcy, the agency does not provide legal or tax advice. If legal or tax advice is needed, you should seek appropriate assistance from an attorney or tax professional.

Federal law requires that Consumer Education Services, Inc. (CESI), d/b/a Affordable Bankruptcy Courses, does not disclose or provide to any credit reporting agency information concerning an individual's participation in credit counseling offered through our agency. Filing for bankruptcy is reported as a matter of public record and may impact your credit reports and scores. Please check with your legal counsel regarding this matter.

The fee for our services is based on each client's ability to pay, the fee for this service is shown or populated in your shopping cart. If you are unable to pay the fee, the counseling will be provided at a reduced fee or at no charge, as described in the fee waiver disclosure below. We accept VISA, MasterCard, Amex, and VISA or MasterCard branded debit cards.

Individuals who do not speak English as their primary language or who have difficulty understanding English may request communication in another language at no charge. Federal law requires that Consumer Education Services, Inc. (CESI d/b/a Affordable Bankruptcy Courses, will provide communication in the requested language if a suitable counselor or translator is available; otherwise, we will promptly provide a referral to another appropriate provider.

Federal law requires that Consumer Education Services, Inc. (CESI), d/b/a Affordable Bankruptcy Courses, does not pay or receive fees or other consideration for referrals.

Clients must speak with a counselor after finishing the online portion of the pre-filing counseling session. Federal law requires that Consumer Education Services, Inc. (CESI), d/b/a Affordable Bankruptcy Courses, may not issue a Certificate of Completion of Counseling until such telephonic or electronic conversation has occurred.

Federal law requires that Consumer Education Services, Inc. (CESI), d/b/a Affordable Bankruptcy Courses, will issue an appropriate Certificate of Completion to each qualifying individual no later than one business day after successful completion of the counseling session.

Affordable Bankruptcy Courses, participating as a credit counseling provider agrees to waive its respective fees if the debtor student has income less than 150 percent of the poverty guidelines last published by the United States Department of Health and Human Services (DHHS) (http://aspe.hhs.gov/poverty/15poverty.cfm) applicable to a family of the size and in the state involved.

PLEASE NOTE:

The income for comparison to the poverty guidelines is the "Total Combined Monthly Income" as reported (or as will be reported) on Line 16 of Schedule I of the bankruptcy petition. If you have not obtained counsel representation, the income provided during your counseling session will be used for comparison to the poverty guidelines.

Non-cash governmental assistance (such as food stamps or housing subsidies) is not included in calculating debtor income.

The income of a spouse is included in calculating income whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.The income of any other family member of the household is also included.

Household income and household size are also used in the waiver determination process and must be provided for consideration of a fee waiver.

If you do not agree to the preceding disclosures, do not order the course, or arrange for a refund by contacting us at:

*Consumer Education Services, Inc. (CESI), d/b/a Affordable Bankruptcy Courses, has been approved by the Executive Office for United States Trustees (EOUST) to issue certificates in compliance with the Bankruptcy code for Pre-Discharge Personal Financial Management Instruction Courses (Debtor Education). EOUST has reviewed only those counseling and education services related to bankruptcy, but has not reviewed or approved any other counseling services provided by Consumer Education Services, Inc. (CESI).

Federal law requires that Consumer Education Services, Inc. (CESI), d/b/a Affordable Bankruptcy Courses, may disclose your information to EOUST, but we will not release your information to any other person or entity without your prior approval.

Consumer Education Services, Inc. (CESI) is funded by fees charged for pre-bankruptcy credit counseling briefings and pre-discharge debtor education courses. We are also funded by client fees and creditor contributions from non-bankruptcy-related debt management plans, and through grants related to our housing counseling or other charitable and educational efforts in the community.

All instructors who are assisting and facilitating course content are employees of Consumer Education Services, Inc. (CESI). Instructors are required to obtain certification through the Center for Financial Certifications (CFC, a division of the Institute for Financial Literacy) within 6 months of employment.

Although an instructor may answer general questions about bankruptcy, the agency does not provide legal or tax advice. If legal or tax advice is needed, you should seek appropriate assistance from an attorney or tax professional.

Federal law requires that Consumer Education Services, Inc. (CESI), d/b/a Affordable Bankruptcy Course, does not disclose or provide to any credit reporting agency information concerning an individual's participation in debtor education programs offered through our agency. Filing for bankruptcy is reported as a matter of public record and may impact your credit reports and scores. Please check with your legal counsel regarding this matter.

The fee for our services is based on each client's ability to pay; the exact fee you will pay for this service is shown or populated in your shopping cart. If you are unable to pay the fee, the course will be provided at a reduced fee or at no charge, as described in the fee waiver disclosure below. We accept VISA, MasterCard, Amex, and VISA or MasterCard branded debit cards.

Individuals who do not speak English as their primary language or who have difficulty understanding English may request communication in another language at no charge. Federal law requires that Consumer Education Services, Inc. (CESI d/b/a Affordable Bankruptcy Course, will provide communication in the requested language if a suitable instructor or translator is available; otherwise, we will promptly provide a referral to another appropriate provider.

Federal law requires that Consumer Education Services, Inc. (CESI), d/b/a Affordable Bankruptcy Course, does not pay or receive fees or other consideration for referrals.

Federal law requires that Consumer Education Services, Inc. (CESI), d/b/a Affordable Bankruptcy Course, will issue an appropriate Certificate of Completion to each qualifying individual no later than one business day after successful completion of the counseling session.

Affordable Bankruptcy Courses, participating as a Pre-Discharge Personal Financial Management Instruction Course provider agrees to waive its respective fees if the debtor student has income less than 150 percent of the poverty guidelines last published by the United States Department of Health and Human Services (DHHS) (http://aspe.hhs.gov/poverty/15poverty.cfm) applicable to a family of the size and in the state involved.

PLEASE NOTE:

The income provided during your counseling session will be used for comparison to the poverty guidelines.

Non-cash governmental assistance (such as food stamps or housing subsidies) is not included in calculating debtor income.

The income of a spouse is included in calculating income whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.

The income of any other family member listed on Schedule I as a dependent also is included.

Household income and household size are also used in the waiver determination process. If you are completing the Debtor Education Course, you have the right to opt out of providing such household information for consideration of a waiver.

If you do not agree to the preceding disclosures, do not order the course, or arrange for a refund by contacting us at: